Hearing Lin Li's answer, Zhao's mother was a little skeptical, feeling that he seemed to be hiding something.
“House prices in Shanghai are indeed rising faster and faster now. It’s better to buy a house earlier. You can save a lot of money in the future.”
Father Zhao didn't think much about it. He nodded in agreement, and then asked, "How much does the house you like cost?"
After learning that the total price was more than two million yuan from Lin Li, he frowned slightly and said: "It's only more than two million yuan, which is not expensive, but if you want to buy it, just buy it in full. I
You and your mother can still get this little money, so why should we get a loan?"
Father Zhao still supports his son's decision to buy a house. Anyway, when he gets married, he will have to buy this house sooner or later, but he does not approve of his need to get a mortgage.
The family can obviously come up with this money, so there is no need to bother the wife's friends. Not to mention that the favor is in vain, and it may make people laugh, thinking that the family can't even come up with the money to buy a house for their son.
"No, Dad."
However, Lin Li shook his head slightly and said: "I plan to buy the house myself this time, so you and mom don't need to pay. You should keep your money."
"Are you coming by yourself?" As soon as he said this, Zhao's father and mother Zhao couldn't help but look surprised at the same time.
"Yeah." Lin Li nodded: "I plan to pay the down payment and apply for a mortgage myself, so my parents don't have to take out the money. You should spend your money yourself. Don't be so frugal in the future and always think about spending money.
Leave it to me. My son is now so old that he can make money to support himself. Parents, you have to live your own life well, so that I, the son, can rest assured!"
Lin Li knew that Zhao Qiping's parents were not short of money. One of them was a senior engineer and the other was a university professor. Their family conditions were not bad, and buying a house was not a problem.
But after all, Lin Li is not the real Zhao Qiping, who can accept gifts from his parents without any psychological pressure. Moreover, it is not that he has no ability to make money on his own, and there is no need to spend the money of his two elders.
Even if the Zhao family does not lack this little money, more than two million is not a small amount for a family that is not a businessman. This money is reserved for Zhao's father and mother to use for their retirement, so that they can live their old age in the future.
It's better, which is more meaningful in Lin Li's opinion!
After hearing these unexpected words, both Father and Mother Zhao were shocked, and they couldn't help but feel a sense of relief that their son had truly grown up.
Although she was happy, Mother Zhao still asked with some doubts: "Qiping, do you want to pay the down payment to buy a house by yourself? Where do you get so much money?"
She is quite familiar with her son's financial situation. It has not been a long time since he graduated from Ph.D. and started working. Although a doctor's income is very considerable, he may not be able to save a house so quickly.
down payment.
In addition, Zhao Qiping has never been a frugal person. Although he is not lavish in spending money, he does not have much restraint. She does not believe that he can buy a house on his own.
Could it be that he received some money that he shouldn't have received? Mother Zhao suddenly had such an idea.
Lin Li knew that he wanted to buy a house, which would definitely make Zhao's father and mother worried, fearing that he would go into evil ways, so he smiled and said: "Mom and dad, don't worry, I didn't do anything illegal.
I didn’t accept any unscrupulous money. I just made a little profit in the stock market recently, so I thought about buying a house for investment."
Hearing this, Father Zhao and Mother Zhao were relieved, as long as they didn't do anything illegal!
"When did you learn to trade stocks?"
But then, the couple was surprised again.
And for some reason, they all had a feeling that there seemed to be a change in their son that they couldn't explain.
"I have been studying stocks before, but I was not sure, so I didn't get involved easily. It wasn't until recently that I felt that I was almost ready, and I started to really take action. The results also proved that my vision is not bad."
Lin Li smiled lightly and briefly explained the reasons for his stock trading.
"You can have some fun, but don't get too deep. The risks are not small." Father Zhao didn't say much, but just gave a little warning.
He knew that his son was so old that he had to decide what to do. As parents, there was no need for them to nag about everything.
Moreover, Zhao Qiping has been very good since he was a child and rarely asked them to worry. Except for the fact that he later chose to be a doctor and was unwilling to take over his class, which made him a little dissatisfied, Zhao's father was very proud of his son at other times.
.
Although he didn't know much about stocks, he knew that the water there was extremely deep, and since his son could make money from it, it meant that he had the vision and ability in this area.
What's more, just like what his son said just now, he took action only when he was sure, which showed that he was not doing it blindly, so Father Zhao naturally had nothing to be unhappy about.
"Dad, don't worry, I'm just making a little money for myself. I'll take it as soon as I can. I won't be so greedy." Lin Li nodded.
Seeing that both father and son had said this, Mother Zhao said nothing more.
And of course she strongly supports her son's decision to buy a house on his own. Since his son can support himself, this is a good thing, and she is happy for him from the bottom of her heart.
So Zhao's mother respected his wishes and directly called her best friend who worked in a bank and asked her about applying for a mortgage.
Then, Zhao's mother relayed the other party's words to Lin Li: "Your Aunt Wu said that generally there are two types of housing loans: housing provident fund loans and commercial housing mortgage loans. If it is the former, it will be slower. It is possible
You have to wait a month or two, or even longer. If it is a commercial housing mortgage loan, it will definitely be no problem for someone like your doctor. She can help you through internal channels, and the loan can be approved in as soon as one or two weeks.
"
Lin Li had originally considered taking the commercial loan route, but he did not hesitate: "Just apply for a mortgage. Mom, ask Aunt Wu if she is free tomorrow. If it is convenient, I will bring all the information and go there tomorrow."
she."
"So urgent?" Although Zhao's mother was surprised, she still conveyed this to her best friend.
After hanging up the phone, she looked at Lin Lida in surprise: "Your Aunt Wu said it's okay. I'll send her phone number to your mobile phone later, and you can just contact her yourself. But Qiping, what are you doing?"
Why are you in such a hurry? If you are in a hurry to buy the house, just don't take out the loan. I will transfer the money directly to your account tomorrow."
Mother Zhao found it a little strange. Even if she went to the bank to apply for a mortgage normally, the loan would be disbursed a little slower and she would just have to wait a little longer. There was no need to be in such a hurry.
Lin Li said calmly: "Mom, you don't know how busy I am at work. If I don't get this done quickly, I will have to run between the developer and the bank, which is really troublesome. Don't worry about other money matters.
Yes, if I really need it, I will talk to you."
The reason why he is so anxious is that his purpose is actually very simple. He just wants to pay the money as soon as possible and then start the decoration as soon as possible.